What happens if I disagree with Erie’s decision on my auto insurance claim?
What happens if you disagree with Erie's decision on your auto insurance claim? You might be able to dispute the Erie claim denial successfully. Learn how this works so you can attempt to get your claim approved.
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Maria Hanson
Insurance and Finance Writer
Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life i...
Insurance and Finance Writer
UPDATED: Dec 17, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Review your claim denial or settlement offer letter and determine if Erie has grounds for denying your claim or paying out less than you expected
- If you discover that you have a case for appeal, draft a formal appeal letter requesting Erie to reconsider its decision
- Be sure to gather plenty of evidence to support your argument
Erie is known for being one of the best auto insurance agencies in the industry. You can read more about the company in our Erie Auto Insurance Review.
Despite Erie’s success, the company might make a decision you aren’t happy with. So what happens if you disagree with Erie’s decision on your auto insurance claim? There are ways you can contest a claim denial or a settlement offer that is lower than you expected. Below, we discuss how to appeal the denial or low settlement offer. (For more information, read our “What happens if I disagree with the insurance company’s decision on my claim?“).
What to do if You Disagree With Erie’s Decision on Your Auto Insurance Claim
The first thing you should do when Erie denies your claim is to read the claim denial or settlement offer letter carefully. It’s important to understand the reasoning behind the company’s decision to deny your claim or offer you a lower settlement than you expected. You might find that Erie is within its rights, leaving you without grounds for an appeal.
If you are convinced that Erie has made the wrong decision, write that appeal letter. In addition, you will need to gather evidence to support your argument. This will include:
- Date and time of the incident and any other important dates, such as the date you filed the claim
- Physical and digital copies of important documentation such as eyewitness reports, police reports, and medical records
- Photos of property damage and injuries
- Invoices from medical providers and auto repair shops
The more information you have, the better. Often claims are denied simply because of missing information. Be sure you know how to file an auto insurance claim to avoid these issues in the first place.
Read more: What should I do if my auto insurance claim is denied?
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The Top 4 Reasons Erie Auto Insurance Claims Are Denied
Erie may deny your claim for many different reasons. However, some of the most common reasons for denials or low payouts are:
- The claim exceeds your policy coverage limits: A policy coverage limit is how much an insurer will pay if you are in an accident. If your claim exceeds your coverage’s limit, you will need to pay the difference.
- You missed a payment: Your insurance company can cancel your coverage if you fall behind on payments.
- You are at fault: If you are at fault, your insurer will pay for any damages to the other vehicle and driver. However, you’ll need collision or comprehensive coverage (or both).
- The driver is not named on your insurance policy: If the driver is not named on your policy, Erie can deny coverage. Be sure you know how to cover all family members under the same auto insurance policy if you all share a car.
Still ready to dispute Erie’s decision? If none of the above applies to your situation, or you feel that Erie has wrongly attributed fault, you might be in a good position to appeal the decision.
Erie’s Decision on Your Claim Is Not Always the Last Word
Don’t lose heart if you do not receive the settlement payout you are hoping for or your claim is denied. Appealing the decision could mean a more positive outcome for you. If the company continues to deny your claim after an appeal, you can file a complaint with the state insurance department and consider hiring a lawyer.
Frequently Asked Questions
Should I take my insurance provider to court?
Taking a big insurance company to court will require much time, energy, and money. Before you decide, try to settle your dispute with the insurer. If you still wish to pursue a legal course of action, you should talk to a lawyer to see if they think you have a good case.
How do I file a complaint against my insurer?
Filing a formal complaint against your insurance provider will not be quick. First, try to settle with the company. If you are still unsatisfied with the outcome after following the internal appeal process with your company, you can file a complaint on the website of your state’s insurance department.
How can I make sure that future claims are not denied?
The best way to ensure claims are paid is to ensure you have the right coverage and thoroughly document any incidents. Review your policy regularly to update your coverage, and be sure to take detailed notes and photos at the scene of an accident.
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Maria Hanson
Insurance and Finance Writer
Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life i...
Insurance and Finance Writer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.